Explore Our Services

Do you have enough to retire? Are you on track to achieve your retirement goals? Should you consolidate your pension plans? Do you need help to understand your options at retirement? At Bay Financial Planning we can help you answer these questions and more, without jargon to bring you peace of mind and clarity on your retirement position.

A pension is a long-term investment the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

Are you confident that your money is working for you or could it be doing more? We can help you to grow your wealth to help achieve your goals, whether it’s to fund travel, help family or build a nest egg for the future. With so many options available, it can be hard to know which is best for you but we can help you to understand your options.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

Is your family protected should the worst happen? Could you manage financially if you were unable to work? We are passionate about protecting our clients and believe a financial plan should have a strong foundation in place, helping you to achieve your goals, whatever life throws at you.

These plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

 Plans may not cover all the definitions of a critical illness. The definitions vary between product providers and will be described in the key features and policy document, if you go ahead with the plan.

What would you like to happen to your money when you are no longer here? Are you worried about inheritance tax? Bay Financial Planning can help you with planning to reduce the tax payable.

Estate planning is not regulated by the Financial Conduct Authority.

Do you have enough to retire? Are you on track to achieve your retirement objectives? Is your future secure? Lifetime Cashflow Modelling allows us to answer those questions and build a Financial Plan that is tailored to you.

The Financial Conduct Authority do not regulate Cashflow modelling.